HDFC Bank Shoppers Stop HDFC Bank credit card
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Shoppers Stop HDFC Bank credit card

6 First Citizen points per ₹150 at Shoppers Stop, silver membership included.

30
Personal score30/100● Weak fit
Recurring net savings₹2,369/yrafter fee, GST and caps · bills paid in full
First-year value₹2,466incl. ₹450 welcome, ₹353 joining fee
Effective savings rate0.7%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹353waiver at ₹50,000 spend
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: HDFC Bank – Shoppers Stop HDFC Bank product page · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail
₹1,433/yrBase rate 0.67% on other spends
Waived₹353 fee
0/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹2,369/yr · 0.7%
Base rate 0.67% on other spendson ₹2,13,840₹1,433
4% at Shoppers Stop (apparel assumed partly…on ₹28,800₹576
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How the score of 30 is built

weights total 100% · methodology
Net savings rate12/100 × 55%6.6
Usable lounge access0/100 × 15%0.0
Redemption flexibility40/100 × 10%4.0
Lifestyle fit100/100 × 10%10.0
Simplicity80/100 × 5%4.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

Card facts

💳 Base earn0.67%value on eligible spend
⚡ Accelerated2% 4% at Shoppers Stop
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹353/yr incl. GSTwaived on ₹50,000 spend · joining ₹299
🎁 Welcome (year 1)≈ ₹450₹500 Shoppers Stop voucher
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹1/First Citizen Points ★★☆☆☆1 point = ₹1 at Shoppers Stop.
🧩 Simplicity★★★★☆set and forget
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Tiny fee
  • Shoppers Stop perks
  • Rewards locked to one retailer

Community Q&A on the Shoppers Stop HDFC Bank

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the HDFC Bank Shoppers Stop HDFC Bank?

Joining fee ₹299 and renewal fee ₹299, plus 18% GST (₹353 a year). The renewal fee is waived if you spend ₹50,000 in the card year.

Does the Shoppers Stop HDFC Bank give airport lounge access?

No lounge access. None.

How much can I save with the Shoppers Stop HDFC Bank?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹2,369 a year, an effective savings rate of 0.7% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Shoppers Stop HDFC Bank's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. No monthly caps on the main earn rates.

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.